photo YTPO.ru
Contrary to the financial crisis, which the Russian economy has not completely overcome, the number of people wishing to acquire real estate with the help of mortgages continues to grow. For some, a mortgage loan is the only way to own an apartment. According to experts' forecasts, by the end of 2017 the total volume of loans extended will exceed 1.8 trillion rubles. What do you need to know if you decide to go to the bank for a mortgage? Today it is much easier to buy an apartment using a mortgage loan than before - banks issue a mortgage quite willingly, and taking into account the accreditation of residential complexes, the collection of documents is much easier to collect because all the necessary documents from developers are already in the database of credit organizations. Also, for most developers, the mortgage is made quickly enough, as staff of staff is represented by specialists in mortgage lending. They will not only give competent advice, but also help you to formalize the application so that the loan is likely to be approved by you. To begin with, the future owner of an apartment needs to determine the object of purchase, balancing its financial capabilities and ambitions. What kind of housing is suitable - an economical option in Khrushchev on the outskirts of the city or an elite new building in the center, a one-room flat or a smart trash with a good panoramic view - it's up to you. This will depend on the missing amount and the amount of the first installment. When the coveted property is found, you can proceed with the selection of a credit institution whose financial obligations will be linked to you by 10-20 years, or even more. Let's say you have 270 thousand rubles for the initial payment and another 1.53 million rubles you plan to take out on credit to buy a studio apartment, for example, in the comfort complex "Moskvichka" from the "Granel". In this case, your monthly payment will be about 20 thousand. rub. If you have about 220 thousand rubles for an initial payment, and every month you are willing to pay no more than 17 thousand rubles for, say, 10 years, then you should think about buying an apartment in the LCD "Gosudarev dom". The cost of a studio apartment in this residential complex starts at 1.4 million rubles, and the interest rate varies from 9 to 11% per annum.
Those who have small financial savings, and in the near future the receipt of money is expected, and at all it is possible to envy: they can purchase an apartment in installments. This option is much more profitable for the buyer, because he does not provide any credit obligations.